it says in part, it says our financial system will be safer and the american people will be more secure because we fought to include this protection in the law. president obama goes on to say, i encourage congress to give the regulators adequate funding to effectively and efficiently implement the rule which protect hard-working families and business owners from future crises and will insure confidence in america's dynamic financial system. as we heard from our panelists maybe not so much. that being said. it is quarter past. we have to check on the markets. they're down about 40 points. nicole petallides, on the floor of the exchange. you got your favorite coffeemaker of the day, not doing so well. >> that's right. we're looking at starbucks. it is indeed my favorite place to go for coffee. however i would -- other place as well. starbucks is down 3.3%. it is the biggest loser in the s&p 500. this is a call from itg. itg says basically they have had two great quarters but you know what? their sales momentum is expected to slow. that is what they're looking at here. they're watching tha